Arrows/Reston chasing Credit Card debt

[jules681]

Wondered if someone could help me.

 

Last July I Received a letter from Restons,

instructed by arrow global management,

for a debt of around £1800.

They were asking for full payment, or threatening court action.

 

Following advise on forums,

I sent a Cca request to both Arrow and Restons.

 

I received a letter back saying they would request the information from the original creditor and the account would be placed on hold.

 

Today, I have received a letter from Arrow, with a 4 page copy of what I belive to be the original credit agreement and terms and conditions.

 

The letter also states the sum I have paid, which is £0.00, and the value owed.

It then Goes on to say that the account is being operated by Restons ons on behalf of arrow,

and arrow will deal with this document request only, all other enquires to Restons.

 

Feeling slightly out of my depth here, what do I do now?

Is this all the information required for Restons to chase this debt?

I don't remember this debt, the credit agreement is dated 2001.

It clearly is my debt as its a previous address of mine and my signature..

 

I got into financial difficulty in 2009, and lost my way totally, so it's clearly from around then that I stopped paying for it.

 

Any help would be much appreciated, thanks in advance.

[Bazooka Boo]

Exactly WHEN did you stop paying?

 

Does this show on your credit file at all?

 

Can you scan and post up the CCA they sent you, suitably redacted.?

 

It may very well be SB, do NOT talk to pestons over the phone.

Deal with this in writing ONLY, if at all, sounds like they're trying their luck!

[jules681]

I stopped paying around April 2009, as I had a debt management plan, but I had one that wasn't involved in the plan,

I have a feeling that this might be the one, which I paid up to nov 2009, so if it is, then it's not sb yet.

 

I will try and up load them shortly, for you to have a look at for me, thank you so much for the reply.

[Bazooka Boo]

The good thing is that you have PPI on there which you can reclaim, if miss sold, or you never met the requirements for it?

 

And then there will be the costs and interest added which you can also reclaim, using the hardship rules.

 

HOWEVER!!!

 

Check your credit file first and see if this appears anywhere on there, I suspect not.

Have you ever used Experian's ''free 30 day trial period'' before?

 

If not, do so, and get your credit files that way, OR send £2 off to them for a hard copy of them, OR use Noddle, which is free, but isn't always as accurate as they take a wee while to update their system.

 

Are there ''any'' dates or file reference numbers on the bottom of those pages they sent at all?

Usually there is and it will correspond with the year they drew up the T&C's and used for their victims, sorry, customers?

 

(Kiddy hey? Just for the record I used to live in Bromsgrove, so not far!!)

[AndyOrch]

Attachments unapproved...please obscure completely.

 

Andy

[jules681]

Thanks Andy, I have deleted them now. I didnt realise you could see the information

 

There arent any numbers or dates on the pages as you describe, all thats on them is the reference number thats been handwritten.

 

I will have a look on Noodle, I have used Experian in the past but havent noticed anything on my credit file, but I will have another look.

 

So do I just wait for Restons to come back to me? and how do I go about the PPI on an account this old?

 

And the hardship rules? whats that?

[Bazooka Boo]

All in good time, check your credit files first, worry about the rest later.........if this appears on your file that is....

 

Come to think of it, I don't think that (what they've sent you) comes anywhere near close to an enforceable CCA??

 

Where are the interest rates?

[jules681]

Right I have just checked on Noodle and this Does appear on there, default date Aug 2010.

 

I have just traced this through bank statements and can confirm with certainty, that the last date I made a payment was on 6th Nov 2009.

 

I cant find any details of interest rates on the pages that I have received.

 

What should I have received if this isnt enfoceable?

Thanks

 

found the interest rates

2.08% per month APR 28.0 for monthly direct debits

2.21% per month APR 29.9% for monthly payments by any other means.

[dx100uk]

can you scan up the CCA return please

 

 

and who is the OC?

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

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- If you have multiple scans/pictures

please put these into WORD and make a multi page document

.

first ensuring you have removed all Personal Information before converting to PDF.

if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

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- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

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- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

[renegadeimp]

Dont believe the dates on noddle, and on other CRA's, check the dates yourself. It's not unusual for a creditor to default the account until well after the point where payments stopped. In any case, the default date has nothing to do with the SB date. It's just a guideline.

[jules681]

dx100uk

 

I have re attached the returned letters from Arrow Globel. I have tried to erase personal information via the information you gave me but I still couldnt do it. So I have cut it out!!! Hope its ok to do this way.

 

I have not received anything further as yet.

[jules681]

Dont believe the dates on noddle, and on other CRA's, check the dates yourself. It's not unusual for a creditor to default the account until well after the point where payments stopped. In any case, the default date has nothing to do with the SB date. It's just a guideline.

 

Thanks for this, I dont have any further information to check if this default date is correct. But I am pretty sure this is a Store Card, through GE Capital bank, and I last made a payment on 6th Nov 2009.

[dx100uk]

its an application form

 

 

I cant see any ref to what the late/over limit charges are

 

 

and the t&C's mention Santander

 

 

don't think they existed in the UK in 2001?

 

 

so what was the card please who with?

 

 

dx

[dx100uk]

GE store card

 

 

so that's a complete CCA bodge job.

 

 

dx

[jules681]

I am sure it was a Dorothy Perkins store card, it could be used in burtons too.

So what do you think I should do now?

 

Thanks very much, you have been really helpful, so far.

[dx100uk]

well what they have sent is not enforceable

that's for sure!

 

 

you say you were in a DMP?

who with?

 

 

poss they might have records?

 

 

dx

[jules681]

I used byrom and keely I think it was, but this debt wasn't included in the plan, I have no idea why.

 

 

I have searched thorugh bank statements and found a payment to ge capital bank, on the 6th nov 09

 

The last payment to byrom and keely was 27th April 2009,

some of these have chased me but after sending Cca requests,

I have received nothing back.

 

Should I sit tight and wait for Restons to come back to me?

 

 

Or send another letter to Arrow, telling them what they have sent me is not enforceable as you suggest?

[dx100uk]

I would certainly never be telling anyone a CCA request is un-en.

 

 

save that for court.

 

 

http://www.bbc.co.uk/news/business-17670803

[jules681]

Ok thanks for that, the link is quite interesting.

 

Just one thing, am I right in thinking that as the terms and conditions supplied with what Arrow sent me refer to Santander that they can't actually be the original t&c? And I should receive the original ones, plus any changes since?

[dx100uk]

I would suspect the t&C's should refer to ge money.

 

 

see the store cards forum

for other examples.

 

 

dx

[Bazooka Boo]

Ruddy chancers!

[jules681]

I have today received a letter from Restons saying the following.

 

Our client has informed us that your recent request for documentation has now been complied with. As such, they now require your proposals of payment.

Please complete and return the attached financial statement by 7th May, failing which we may be instructed by our client to issue legal proceedings.

 

What should I do now? Should I fill in the form?

Thanks in advance

[dx100uk]

no why?

 

 

the CCA is non compliant.

 

 

you could write back and state,

 

 

your client might well have complied with the document request itself

however, those documents supplied fail to comply with the Consumer credit Act

[jules681]

Ok thanks! That's more simple than I thought!

Thanks dx100uk, I will send a letter to Reston's stating just that.

[jules681]

Should I say way these don't comply or just leave that to them to figure out?